Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community bank, under $300M

Federated Bank

Onarga, IllinoisBankChicago Fed districtFees collected Feb 17, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Account Research & Reconciliation$30Above the typical range ($17.50–$25 nationally)

Knox deterministic extraction from Rosetta artifact #6917. canonical_hint=account_research; text_hash=9f8104fbba64e976f56ceeccb79d08ce65096666d906cddf0e6ab6c267c1f91a; excerpt="Account Research & Reconciliation ................................................... $30.00 per hour, $30.00 minimum" · Source

Any account closed within 90 days of opening$20

$5 above the national median

Knox deterministic extraction from Rosetta artifact #6917. canonical_hint=early_closure; text_hash=9f8104fbba64e976f56ceeccb79d08ce65096666d906cddf0e6ab6c267c1f91a; excerpt="Any account closed within 90 days of opening .............................................................................. $20.00" · Source

Checking Account Inactivity Account Fee (inactive account for more than 90 days) ……$10

$5 above the national median

per month · Knox deterministic extraction from Rosetta artifact #6917. canonical_hint=dormant_account; text_hash=9f8104fbba64e976f56ceeccb79d08ce65096666d906cddf0e6ab6c267c1f91a; excerpt="Checking Account Inactivity Account Fee (inactive account for more than 90 days) …… $10.00 per month" · Source

Savings Monthly Service Charge (if balance falls below )$5

At the national median

per month · Knox deterministic extraction from Rosetta artifact #6917. canonical_hint=minimum_balance; text_hash=9f8104fbba64e976f56ceeccb79d08ce65096666d906cddf0e6ab6c267c1f91a; excerpt="Savings Monthly Service Charge (if balance falls below $100.00)………………………………….. $5.00" · Source

Overdraft & NSFVerified

Savings Account Overdraft Transfer ………………………………….$15Above the typical range ($3–$5 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #6917. canonical_hint=od_protection_transfer; text_hash=9f8104fbba64e976f56ceeccb79d08ce65096666d906cddf0e6ab6c267c1f91a; excerpt="Savings Account Overdraft Transfer …………………………………. $15.00 setup ….. $3.00 per transfer" · Source

ATM & CardVerified

ATM) .$0Below the typical range ($1–$2.50 nationally)
$1.50 below the national median
Knox read a free fee from Rosetta artifact #6917. canonical_hint=atm_non_network; text_hash=9f8104fbba64e976f56ceeccb79d08ce65096666d906cddf0e6ab6c267c1f91a; excerpt="ATM Fee Charge (not our ATM)…………………………………………………………………………. No Charge" · Source
Debit Card Replacement Fee$15Above the typical range ($5–$10 nationally)
$5 above the national median
Knox deterministic extraction from Rosetta artifact #6917. canonical_hint=card_replacement; text_hash=9f8104fbba64e976f56ceeccb79d08ce65096666d906cddf0e6ab6c267c1f91a; excerpt="Debit Card Replacement Fee ................................................................................................ $15.00" · Source
For a Lost Card…………………………………………………………………………………………………$25Above the typical range ($5–$10 nationally)
$15 above the national median
Knox deterministic extraction from Rosetta artifact #6917. canonical_hint=card_replacement; text_hash=9f8104fbba64e976f56ceeccb79d08ce65096666d906cddf0e6ab6c267c1f91a; excerpt="For a Lost Card…………………………………………………………………………………………………$25.00" · Source

Wire TransfersVerified

Wire Transfer Fees: Incoming (Domestic)$12Within the typical range ($5–$15 nationally)
$2 above the national median
Knox deterministic extraction from Rosetta artifact #6917. canonical_hint=wire_domestic_incoming; text_hash=9f8104fbba64e976f56ceeccb79d08ce65096666d906cddf0e6ab6c267c1f91a; excerpt="Incoming (Domestic) ....................................................................................…………………... $12.00" · Source
Wire Transfer Fees: Incoming (International)$30Above the typical range ($10–$25 nationally)
$15 above the national median
Knox deterministic extraction from Rosetta artifact #6917. canonical_hint=wire_intl_incoming; text_hash=9f8104fbba64e976f56ceeccb79d08ce65096666d906cddf0e6ab6c267c1f91a; excerpt="Incoming (International) ……………………………………………… $30.00" · Source
Wire Transfer Fees: Outgoing (Domestic)$30Above the typical range ($20–$25 nationally)
$8 above the national median
Knox deterministic extraction from Rosetta artifact #6917. canonical_hint=wire_domestic_outgoing; text_hash=9f8104fbba64e976f56ceeccb79d08ce65096666d906cddf0e6ab6c267c1f91a; excerpt="Outgoing (Domestic) ………………………………………………………………………………..... $30.00" · Source
Wire Transfer Fees: Outgoing (International)$60Above the typical range ($40–$50 nationally)
$10 above the national median
Knox deterministic extraction from Rosetta artifact #6917. canonical_hint=wire_intl_outgoing; text_hash=9f8104fbba64e976f56ceeccb79d08ce65096666d906cddf0e6ab6c267c1f91a; excerpt="Outgoing (International) ……………………………………………… $60.00" · Source

Check ServicesVerified

Cashier’s Check ....................................................... ............. Customers$5Within the typical range ($3–$6 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #6917. canonical_hint=cashiers_check; text_hash=9f8104fbba64e976f56ceeccb79d08ce65096666d906cddf0e6ab6c267c1f91a; excerpt="Cashier’s Check ....................................................... ............. Customers $5.00 ........Non-customers $10.00" · Source
Check Copy …………………………………………………………………………………………………$2Within the typical range ($2–$5 nationally)
$1 below the national median
Knox deterministic extraction from Rosetta artifact #6917. canonical_hint=check_image; text_hash=9f8104fbba64e976f56ceeccb79d08ce65096666d906cddf0e6ab6c267c1f91a; excerpt="Check Copy ………………………………………………………………………………………………… $2.00" · Source
Temporary Checks ……………………………………………………………………………$5Above the typical range ($1–$4 nationally)
$3 above the national median
Knox deterministic extraction from Rosetta artifact #6917. canonical_hint=counter_check; text_hash=9f8104fbba64e976f56ceeccb79d08ce65096666d906cddf0e6ab6c267c1f91a; excerpt="Temporary Checks …………………………………………………………………………… $5.00 per 10 checks" · Source

Cash & DepositVerified

Returned Deposit Item Fee .................................................................…………$5Below the typical range ($10–$25 nationally)
$10 below the national median
Knox deterministic extraction from Rosetta artifact #6917. canonical_hint=deposited_item_return; text_hash=9f8104fbba64e976f56ceeccb79d08ce65096666d906cddf0e6ab6c267c1f91a; excerpt="Returned Deposit Item Fee .................................................................………… $5.00 per occurrence" · Source

Account ServicesVerified

Drilling Fee ……..……………………………………………………………………………………….$200Above the typical range ($25–$77.50 nationally)
$155 above the national median
Knox deterministic extraction from Rosetta artifact #6917. canonical_hint=safe_deposit_box; text_hash=9f8104fbba64e976f56ceeccb79d08ce65096666d906cddf0e6ab6c267c1f91a; excerpt="Drilling Fee ……..………………………………………………………………………………………. $200.00" · Source
Legal Process which affect your account (i.e., Garnishments, Levy, Citations, or other)$90Above the typical range ($30–$75 nationally)
$40 above the national median
Knox deterministic extraction from Rosetta artifact #6917. canonical_hint=garnishment_levy; text_hash=9f8104fbba64e976f56ceeccb79d08ce65096666d906cddf0e6ab6c267c1f91a; excerpt="Legal Process which affect your account (i.e., Garnishments, Levy, Citations, or other) .............. $90.00" · Source
Lost Key Fee ……..…………………………………………………………………………………….$40Within the typical range ($25–$77.50 nationally)
$5 below the national median
Knox deterministic extraction from Rosetta artifact #6917. canonical_hint=safe_deposit_box; text_hash=9f8104fbba64e976f56ceeccb79d08ce65096666d906cddf0e6ab6c267c1f91a; excerpt="Lost Key Fee ……..……………………………………………………………………………………. $40.00" · Source
Notary Service (non-customers) ………………………………………………………………………….$3Within the typical range ($0–$5 nationally)
$0.50 above the national median
Knox deterministic extraction from Rosetta artifact #6917. canonical_hint=notary_fee; text_hash=9f8104fbba64e976f56ceeccb79d08ce65096666d906cddf0e6ab6c267c1f91a; excerpt="Notary Service (non-customers) …………………………………………………………………………. $3.00" · Source
Verification of Deposit ..……………………………………………………………………………………$10Within the typical range ($10–$15 nationally)
At the national median
Knox deterministic extraction from Rosetta artifact #6917. canonical_hint=account_verification; text_hash=9f8104fbba64e976f56ceeccb79d08ce65096666d906cddf0e6ab6c267c1f91a; excerpt="Verification of Deposit ..…………………………………………………………………………………… $10.00" · Source

Retirement & IRAVerified

IRA/HSA Transfer and/or Closing Fee …… …………………………………………………………$50Above the typical range ($25–$35 nationally)
$25 above the national median
Knox deterministic extraction from Rosetta artifact #6917. canonical_hint=ira_termination; text_hash=9f8104fbba64e976f56ceeccb79d08ce65096666d906cddf0e6ab6c267c1f91a; excerpt="IRA/HSA Transfer and/or Closing Fee …… …………………………………………………………... $50.00" · Source

Other FeesVerified

Photocopies …………………………………………………………………………………………………$0.35Below the typical range ($2–$5 nationally)
$2.65 below the national median
Knox deterministic extraction from Rosetta artifact #6917. canonical_hint=document_reproduction; text_hash=9f8104fbba64e976f56ceeccb79d08ce65096666d906cddf0e6ab6c267c1f91a; excerpt="Photocopies ………………………………………………………………………………………………… $0.35" · Source

Swipe for source and notes →

Fee	Amount	vs national median	Basis	Note	Source
Account MaintenanceVerified
Account Research & Reconciliation	$30Above the typical range ($17.50–$25 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #6917. canonical_hint=account_research; text_hash=9f8104fbba64e976f56ceeccb79d08ce65096666d906cddf0e6ab6c267c1f91a; excerpt="Account Research & Reconciliation ................................................... $30.00 per hour, $30.00 minimum"	Source
Any account closed within 90 days of opening	$20Within the typical range ($10–$25 nationally)	$5 above the national median	—	Knox deterministic extraction from Rosetta artifact #6917. canonical_hint=early_closure; text_hash=9f8104fbba64e976f56ceeccb79d08ce65096666d906cddf0e6ab6c267c1f91a; excerpt="Any account closed within 90 days of opening .............................................................................. $20.00"	Source
Checking Account Inactivity Account Fee (inactive account for more than 90 days) ……	$10Within the typical range ($5–$10 nationally)	$5 above the national median	per month	Knox deterministic extraction from Rosetta artifact #6917. canonical_hint=dormant_account; text_hash=9f8104fbba64e976f56ceeccb79d08ce65096666d906cddf0e6ab6c267c1f91a; excerpt="Checking Account Inactivity Account Fee (inactive account for more than 90 days) …… $10.00 per month"	Source
Savings Monthly Service Charge (if balance falls below )	$5Within the typical range ($5–$10 nationally)	At the national median	per month	Knox deterministic extraction from Rosetta artifact #6917. canonical_hint=minimum_balance; text_hash=9f8104fbba64e976f56ceeccb79d08ce65096666d906cddf0e6ab6c267c1f91a; excerpt="Savings Monthly Service Charge (if balance falls below $100.00)………………………………….. $5.00"	Source
Overdraft & NSFVerified
Savings Account Overdraft Transfer ………………………………….	$15Above the typical range ($3–$5 nationally)	$10 above the national median	—	Knox deterministic extraction from Rosetta artifact #6917. canonical_hint=od_protection_transfer; text_hash=9f8104fbba64e976f56ceeccb79d08ce65096666d906cddf0e6ab6c267c1f91a; excerpt="Savings Account Overdraft Transfer …………………………………. $15.00 setup ….. $3.00 per transfer"	Source
ATM & CardVerified
ATM) .	$0Below the typical range ($1–$2.50 nationally)	$1.50 below the national median	—	Knox read a free fee from Rosetta artifact #6917. canonical_hint=atm_non_network; text_hash=9f8104fbba64e976f56ceeccb79d08ce65096666d906cddf0e6ab6c267c1f91a; excerpt="ATM Fee Charge (not our ATM)…………………………………………………………………………. No Charge"	Source
Debit Card Replacement Fee
Wire TransfersVerified
Wire Transfer Fees: Incoming (Domestic)	$12Within the typical range ($5–$15 nationally)	$2 above the national median	—	Knox deterministic extraction from Rosetta artifact #6917. canonical_hint=wire_domestic_incoming; text_hash=9f8104fbba64e976f56ceeccb79d08ce65096666d906cddf0e6ab6c267c1f91a; excerpt="Incoming (Domestic) ....................................................................................…………………... $12.00"	Source
Check ServicesVerified
Cashier’s Check ....................................................... ............. Customers	$5Within the typical range ($3–$6 nationally)	At the national median	—	Knox deterministic extraction from Rosetta artifact #6917. canonical_hint=cashiers_check; text_hash=9f8104fbba64e976f56ceeccb79d08ce65096666d906cddf0e6ab6c267c1f91a; excerpt="Cashier’s Check ....................................................... ............. Customers $5.00 ........Non-customers $10.00"	Source
Cash & DepositVerified
Returned Deposit Item Fee .................................................................…………	$5Below the typical range ($10–$25 nationally)	$10 below the national median	—	Knox deterministic extraction from Rosetta artifact #6917. canonical_hint=deposited_item_return; text_hash=9f8104fbba64e976f56ceeccb79d08ce65096666d906cddf0e6ab6c267c1f91a; excerpt="Returned Deposit Item Fee .................................................................………… $5.00 per occurrence"	Source
Account ServicesVerified
Drilling Fee ……..……………………………………………………………………………………….	$200Above the typical range ($25–$77.50 nationally)	$155 above the national median	—	Knox deterministic extraction from Rosetta artifact #6917. canonical_hint=safe_deposit_box; text_hash=9f8104fbba64e976f56ceeccb79d08ce65096666d906cddf0e6ab6c267c1f91a; excerpt="Drilling Fee ……..………………………………………………………………………………………. $200.00"	Source

Retirement & IRAVerified
IRA/HSA Transfer and/or Closing Fee …… …………………………………………………………	$50Above the typical range ($25–$35 nationally)	$25 above the national median	—	Knox deterministic extraction from Rosetta artifact #6917. canonical_hint=ira_termination; text_hash=9f8104fbba64e976f56ceeccb79d08ce65096666d906cddf0e6ab6c267c1f91a; excerpt="IRA/HSA Transfer and/or Closing Fee …… …………………………………………………………... $50.00"	Source
Other FeesVerified
Photocopies …………………………………………………………………………………………………	$0.35Below the typical range ($2–$5 nationally)	$2.65 below the national median	—	Knox deterministic extraction from Rosetta artifact #6917. canonical_hint=document_reproduction; text_hash=9f8104fbba64e976f56ceeccb79d08ce65096666d906cddf0e6ab6c267c1f91a; excerpt="Photocopies ………………………………………………………………………………………………… $0.35"	Source

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Headline fees published

9 of 15

Published fees

Under review

Assets

$140.1M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$140.1M

Total deposits

$119.2M

Service charge income

$21K

Fee income ratio

0.85%

Return on assets

0.78%

Branches

Service charge income by quarter

Q2 2026$21K

Q1 2026$15K

Q4 2025$43K

Q3 2025$46K

Financial profile · Pro

Performance from regulator filings

Legal Process which affect your account (i.e., Garnishments, Levy, Citations, or other)

10+ years of call-report history with peer benchmarks, branch footprint, consumer complaints, and SEC filings

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